| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP INSURANCE3 | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK | $0 | $3K | $3K | 0.54% |
| LIGHTHOUSE GROUP INSURANCE3 | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $2K | $17K | 9.76% |
| UNKNOWN3 | 17421 TELEGRAPH ROAD DETROIT, MI 48219 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 8.24% |
| LAURIE WOLOGO4 | 4 RICHFIELD WAY HILTON HEAD ISLAND, SC 29926 | PRE-PAID LIEGAL SERVICES, INC. DBA LEGALSHIELD | $73 | $0 | $73 | 4.51% |
| PREVENTIVE SERVICES PLLC4 | 1438 OAKBROOK EAST ROCHESTER HILLS, MI 48307 | PRE-PAID LIEGAL SERVICES, INC. DBA LEGALSHIELD | $55 | $0 | $55 | 3.40% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK | 110 | $510K |
| Dental | DELTA DENTAL OF MICHIGAN | 222 | $79K |
| Vision | VISION SERVICE PLAN | 130 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $177K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $177K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $177K |
| Prescription drug | BLUE CARE NETWORK | 110 | $510K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 265 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.